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Travel Insurance: Can You Leave Home Without It?

by kaleel sakakeeny

Travel insurance …can you leave home without it?

Before 9/11 maybe. But today, definitely no!

Travel supplier bankruptcies, hurricanes, the London bombings, and the cost of travel are driving alert travelers to purchase travel insurance big time.

But buying travel insurance from a travel agent or a cruise line or any other travel supplier is a bit like having the fox watch the chickens.

If a tour operator or cruise line goes bankrupt, and it does happen, you’re not covered since the travel supplier won’t cover you in the case of their own financial failure.

The Travel Insurance Association of America (http://www.ustia.org), an industry watchdog, advises always buy from a third party supplier.

From Kaleel ftp etc

Companies like www.insuremytrip.com do the research for you and come up with per diem cost and coverage options for several companies. Big guys like Travel Guard International (www.travelguard.com) have been in the business a long time and are always upgrading their product.

And while travel insurance has evolved considerably in the last few years with lots of bells and whistles, you really need a policy that covers two basic events:
• Medical evacuation and transportation home if you’re injured or sick on the road.
• Trip cancellation or interruption because of the death or illness of the insured or a family member.
If you’ve paid big bucks for a cruise and a week before you sail, you get sick or get sick while at sea, you need a policy that gets you your money back, even if it’s just the unused portion of your travel.

We recommend buying Travel Insurance on a pay-as-you-go basis. You pay per trip, per length of time, age, and destination.
For the short bucks, Travel Insurance is a must.

How Much Does it Cost to Get back Home?
Domestic air medical evacuation averages $10,000 to $20,000, and internationally, it can exceed $75,000.

Enter Medjet Assist.
Not a Travel Insurance Company as such, MedjetAssist, (www.medjet.com) is private membership program providing emergency medical evacuation and repatriation services. Members, hospitalized more than 150 miles away from home get a medically equipped and staffed aircraft to pick them up and fly to the hospital of your choice — at no additional charge.
ks

Travel Factoid

Flying, driving or training — avoid Chicago!
The city has the dubious distinction of being the worst place to travel to or through during the holiday travel season among all other U.S cities.
ks

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